Our Mission,Vision & Values MISSION Preserving the Dream of Home Ownership
VISION A Champion Mortgage Team Leading the New Era of Lending VA L U E S
Put People First Commit to Excellence Create Innovative Change Work with Passion Always do the Right Thing
National Platform: Licensed in 48 States + D.C., 100 Total Locations
Satisfied Borrowers: Would You Refer Envoy? 97% Say ‌ YES!
97%
96%
95%
94% 2010
2011
2012
Cutting Edge Purchase Business Services Envoy on Track – A HOV lane for purchase business Streamlined and Friendly Appraisal Process Extended Interest Rate Protection Program Constant and Consistent Communication. Common Sense Solutions
More on Envoy on Track Once clients are pre-approved their loan package is submitted to underwriting for underwriting approval. Most clients will have underwriting approval prior to placing an offer. Buyers are issued a Underwriting Approval letter to submit with their purchase offer. The letter will clearly state their loan file has been approved by an underwriter, providing them with an advantage over other offers. Allows for a much quicker and efficient closing. Updated documents, disclosures, contract and earnest money, appraisal, and title is all that will be needed for final approval. Great for “tough” scenarios or “unique” situations. Eliminates “guessing” on an underwriter’s decision.
Our Approach to Appraisals
Control: Envoy manages a pool of independent (not staff) appraisers by area Quality Work: Appraisers are not part of an Appraisal Management Company (AMC), so full amount paid directly to appraiser Strong Accountability: Management software tracks turn times and sends out notices Fast Delivery: Typical turn time for an appraisal request is 5 – 7 days
Constant Communication
Weekly Contact 14 Status Emails / 6Videos • • • • • • • • • • • • • •
Intro/Welcome - Video Follow-up Email Appraisal Ordered - Video Title Ordered Appraisal Received Title Received Submitted to U/W - Video U/W Conditional Approval - Video U/W Approval Clear to Close - Video Ask for Referral Closing Docs Ordered HUD1 Received Loan Funded - Video Loan Transferred
Customer Satisfaction Survey
Envoy Advantages LOAN OFFICERS
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Local and Experienced Loan Officers Residential Purchase and Refinance Specialists Passionate and Caring
SERVICING
UNDERWRITING
• In-House Underwriting
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• Flexible loan options
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• Quick Turn Times • Common Sense decisions
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Established Servicing Center Currently service approx. 60% Of Loans Originated Provides peace of mind
Envoy Advantages CLOSING CALENDAR
• Provides flexible times to schedule closing time • Final Numbers available days before closing
ELECTRONIC DOCS
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Clients Can Sign Anywhere Works well with Relocations Reduces Paper – Envoy Recognized As Green Originator
TABLE FUNDING
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Wire Sent In Advance Of Closing Once Papers Are Signed, Keys Can Be Given
We are GREEN and it shows!
Our Best Asset: The Envoy Team
Michelle Stroup Loan Officer
David Baloun Operations Manager
Processors Lora Nelson Jackie Dunlap
Greg Selters Branch Manager
Marketing Bret Brewer Transaction Coordinator Lori Naranjo
Conclusion
Envoy Mortgage appreciates the opportunity to become your Lender of choice. Let us show you what the BEST mortgage experience looks like! We are committed to helping with your mortgage financing, ON TIME, which is a foundation for a great relationship! We look forward to showing you exactly what sets Envoy apart from the rest, one step at a time. Envoy is a lender of integrity and we are confident we will earn your trust and loyalty, starting today.